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At Student Debt Solutions (SDS), every borrower begins with one powerful thing: access to a transparent analysis. Whether you choose to move forward independently through Standard Assistance (DIY) or engage with our Expert Assistance team, you’ll always start with clear, data-driven insights into your repayment options because making an informed decision should never come with a paywall.   The DIY approach is perfect for borrowers who want to explore repayment options on thei

Managing student loans can be confusing — but it doesn’t have to be. At Student Debt Solutions (SDS), we help borrowers take the guesswork out of repayment, forgiveness, and financial planning. Our support team answers thousands of questions every month, and we’ve rounded up the ones we hear most often, along with quick answers to help you make the most of your SDS experience. What Does SDS Do? Student Debt Solutions is an online platform that simplifies the complexity of stu

In today’s financial landscape, borrowers are seeking clarity, simplicity, and relief — and partners need fast, credible ways to deliver it. The SDS Savings Tool was designed with exactly that mission in mind: to give every partner a powerful, easy-to-use feature that attracts borrowers, builds trust, and delivers measurable results. A Turnkey Feature That Converts Interest into Action Available directly on the Student Debt Solutions (SDS) landing page or seamlessly integrate

When it comes to student loans, most borrowers are left in the dark—stuck between confusing information on Studentaid.gov and limited guidance from their servicer. That’s where Student Debt Solutions (SDS) changes the game. Our platform bridges the gap by combining powerful calculators, personalized analysis, and real human support that go far beyond what the federal portal or a call center can offer. Across the country, borrowers are telling us the same thing: “I thought Stu

For decades, bankruptcy attorneys have assumed student loans were the “untouchable” debt. We would tell clients, “Sorry, bankruptcy...

Under the new rules , Income Based Repayment (IBR) can dramatically reduce payments for Parent PLUS borrowers who consolidate. The...

One thing that sets SDS apart is that borrowers can explore all their repayment options completely free—no upfront cost to see what they...

As of May 5, 2025, the U.S. Department of Education has officially resumed full-scale collections on defaulted federal student loans....

If you work in public service or have in the past, it’s important to know about Public Service Loan Forgiveness (PSLF) — a federal...

What Is an SDS Action Plan? The Student Debt Solutions (SDS) Action Plan is a personalized strategy created based on the borrower’s...

If you’re unsure about your current plan or want to explore how different scenarios might impact your repayment options and program...

As federal student loan repayments resume, millions of borrowers are facing the very real risk of delinquency. Falling behind on payments...

If you’re struggling to afford your student loan payments, you're not alone. Since the pandemic, the average student loan payment has...

Within the SDS online tool, after entering your income and goals, uploading your student file, and answering a brief set of questions, we...